How do I earn Virgin Money Points?

Earn points by using eligible Virgin Money products. That includes tapping your debit card, meeting savings goals, referring friends, and activating bonus offers in the app. You can also earn points with selected home loans and Virgin Money Rewards Credit Cards. Just make sure your transactions are eligible; things like ATM withdrawals and BPAY payments won’t earn points.

Which products are eligible for earning Points?

You can earn Virgin Money Rewards Points with these products:

• Go Account
• Boost Saver (when linked to a Go Account)
• Virgin Money Anytime Rewards Credit Card
• Virgin Money Anytime Rewards Credit Card
• Selected Lite and Loaded Home Loans

Each product earns points in a slightly different way, so it’s worth checking the rewards terms and conditions to see what’s included.

What counts as an eligible transaction?

Eligible transactions include most everyday purchases like groceries, petrol, dining out, and shopping online. You won’t earn points on BPAY, cash withdrawals, balance transfers, or government charges. For debit card spend, the transaction must be settled (not pending) and not reversed.

Can I earn points with a joint account?

Yes, you can. If you share a Go Account with someone else, eligible debit card transactions will earn points — and they’ll be split 50/50 between both account holders. For credit cards and home loans, points are usually awarded to the primary account holder.

How do I earn Bonus Points?

You can earn Bonus Points by meeting savings goals, activating partner offers, booking travel via the app, or referring to a friend. Bonus Points are often available as limited-time promotions, so keep an eye on the Virgin Money app for the latest offers.

When will my points be credited?

Most points show up in your rewards account within 1 – 5 business days of the eligible transaction being settled. Bonus or promotional points (like referrals or travel bookings) might take a little longer, depending on the offer.

How many points can I earn each month?

There’s no monthly cap for earning points on everyday eligible spend. However, some bonuses, like the Refer-a-Friend program, do have limits. For example, you can earn referral points up to five times per calendar month.

Can I transfer my Points to Velocity Frequent Flyer?

Yes! You can convert your Virgin Money Rewards Points to Velocity Points at any time. Just link your Velocity Frequent Flyer account in the Virgin Money app and follow the transfer steps. Minimum transfer thresholds may apply.

Do Rewards Points expire?

Your Virgin Money Rewards Points won’t expire as long as your eligible product remains open and active, and your account is in good standing. If your product is closed or you stop meeting the eligibility criteria, you may lose your points, so keep your account in good shape.

Where can I check my points balance?

You can track your Rewards Points anytime in the Virgin Money app. From the home screen, just tap on the Rewards tab to see your balance, transaction history, and available offers. You can also redeem points directly in the app.